EXPERT CARDING KNOWLEDGE

C=The *use* of our credit system for personal gain & financial freedom!H=The practice of accessing *secure* computers with innovative techniques/skill.I=Assuming or establishing a *new* guise by "creating" an identity on paper.P=The know-how and interest in the telecom industry and the services it provides

Hi-?!Issue two already! I just finised #-01 about a week ago, and already I feelI have enough text & information of interest to warrant a quick follow-up to#-01! ....so here it is, #-02! I hope #-01 has provided those who have read it,something to think about and/or "work on". If not, well then perhaps this onewill. If not, then perhaps a monastery or convent would be a better place forthe likes of you!!

II.> PART 2-\|/?[>*C*H*I*P*=>!*C* - CARDING> /|\

Intro:

Below are as many BIN's as I could round up. Each one is listed according tothe Banks ID No. (BIN) - which are the first 6 nos. of a CC. (Credit Card).Of course, the first no. indicates a Visa (4) or a Mastercard (5). Bin's aren'tall that important to know, but can be if you NEED to know the name of a bankthat issued the CC no. you have.

Intro: Authorization Centers are located throughout the country and are in justabout every financial institution that is involved in the distribution and/orissuance of credit cards. Of course, Visa and M/C have some as well.

Citibank, First Interstate Bank and Bank of America all have their own AC'savailable to their merchants. There are however many other AC's that provide thesame types of services to their merchants. It is the merchant who is 'really'providing the services though. It is the merchants responsibility in most casesto determine that a credit card is valid. On top of that they are also evenoffered a whole $50 if they assist in the conviction of anyone suspected ofusing a stolen/forged card. $50!! Hardly worth it, so most don't even try....

One of the quickest ways a card is checked is by accessing an AC through acard reader. Verifone is perhaps the largest mfg. of these devices, which areused by most retail stores or restaurants for CC verifications.

The telephone no. that is called using one of these card readers is thefirst one in which I've listed below. You can also log onto this "carrier" via aa modem, but I've yet to figure out what the necessary input is to utilize thisservice on my computer. A touch tone phone suffices however, and the requiredinput is listed below for using this particular AC (Authorization Center).

One other thing to note here is that whenever you are at a store/merchantand using a shady (at best) card, be especially alert to the merchant and/orcashier when they are getting verification of the transaction. If they usethe telephone and voice in the request for the authorization, then listenfor "Code-10", and if you hear them say this at any time- GET THE HECK OUT!!

If they use a card reader for the transaction and get something like "CALLCENTER" on the read out, then remain calm and ask what the problem is, and ifat anytime they are out of sight or on the phone with the center forany prolonged amount of time, then again- GET OUT OF THERE!!

A "code-10" is a merchant's signal to an authorization center that they aresuspicious of the card user. If you are using an AMEX, then run out of theretwice as fast, because AMEX calls the police from their authorization center.V/MC don't usually call the police, but AMEX will use stall tactics while thepolice are on the way. (One way is to ask to speak with you and then ask yousome rather lengthy detailed questions, like primary cardholders name, SSN &Mother's Maiden). You can always just look out the window and exclaim, "Hey!someone's stealing/towing my car!" and then leave pronto!....

** Use the following telephone nos. before going into ANY store to use a card.They are worth the extra minute or so to be sure that the card is still valid!

1>.800/228-1111 = On-Line Auth. Center (300baud)/Touchtone Ok too.Merchant No.#Card No.#Exp.Date#Amt# **push the "#" after each entry**(Merch No.=A 16 digit-#; 1st no. is 4 or 5 & can often be found on carbonsjust above the merchants name.)

2>.800/228-2211 = This is the voice authorization number of the same groupwho operate the one above. I am fairly sure that these two are operated byM/C and Visa, and I do know that the merchant nos. that work on one, alsowork on the other. This AC, is also useful for obtaining a BIN no., and/orthe issuing bank of a particular credit card. Just ask the verification op.for merchant services and she will connect you to their information dept.

- Bank Identification Number <BIN> = Issuing bank's identifier. This number isassigned by the FDIC, I think. The No. can be found on Visa's (unraised)just above the CC number. Some larger banks will have several BIN's, becausethey own several smaller financial institutions that issue credit.Choice Visa is one example. They are owned by Citibank, but have there ownseperate BIN. Another example is First Card, which handles Home Fed Savingscredit accounts.

- International Bank Number <IBN> = Bank Identifier on a national level. Thenumber is used by various merchants to verify/approve a cardholder when theyhave placed a telephone or mailorder request. It is the 4 digit no. justabove the persons name, and is only found on M/C's (raised, 'usually' startswith a 1,6,7 or Cool & on Amex cards (unraised, usually starting with a 6).Though not an absolute, experience has shown that IBN's starting with 6,7 oran 8, are usually preferred accounts. IBN's that begin with a 1 or 2 areusually found on classic accounts. (see list above)

- CV = Classic Account; -these two letters can be found on most Visa cardsthat are "Classic Accounts". They usually have a credit limit of some-where between $500 to $5000+, though some can go up to $10,000 for long termcustomers.

- PV = Preferred Acct. or "Gold Card"; -usually limits of 5,000-10,000+. Thesecards are 'usually' found on Gold or 'preferred Visa Cards, and are worththeir weight in 'gold' as well.... Some can go up to $40,000 or more!!

++Any additional articles or noteworthy texts to be submitted for inclusionin the future issues of *CHIP*, should include a handle &/or method of contactfor the author. Though not required, this will help in verifying the info &assure a timely publish date.

Our method of contact is simple. Call 800-755-3493, press 9657 before end ofgreeting and give us some idea of what you know or have access to and we willconsider your request. The only other method we feel safe with is via a typedletter sent to: *JC/CA* 15445 Ventura Blvd. #128; Sherman Oaks, CA 91403. Weneed more up to date H/P info since this is not our best subject and sincethere are many others more knowledgable in this field than we are... So let usknow! ...Otherwise we may change *CHIP* to CIA! & become Anarchist!... thenagain, it's probably too late for that, since we do as we want anywayz..-JC/CA>.

III.> PART 3:\|/?[>*C*H*I*P*=>!/|\*H* - HACKING>

Intro:

Hacking Numbers & Carriers! These may also be added to the EXTENDER.DATfiles of most Hacking/Phreak programs, when reliable carrier no(s) areneeded.

Try this # 206-825-2377, hit return a couple of times and you'll get ENTERPASSWORD then hit ControL 'U' a few times then hit return. you insimple.. Or try mashing keys until it says 'ART GAMBLIN - CHEVROLET'...

III.> PART 4-\|/?[>*C*H*I*P*=>!/|\I - IDENTITIES

Intro:

DMVRULES.TXT

What the DMV would rather you DIDN'T know:<from the Standard Operating Procedures - SOP of the DMV/CA.> 10-01-90

13.301a:"...If the applicant is unable to provide a signature within the margin, theapplication should nevertheless be accepted, and there is NO need to prepareanother application..."

13.301b:..."Usual signature" means the signature the applicant uses when signingletters, "checks", etc. It need not correspond exactly to the full name as shownat the top of the application or photo document & and in fact, seldom will. Ifthe signature includes a nickname not shown in the full name, or if it differs alot from the full name, the employee should indicate "usual signature" in thespace at the top of application.

13.301c: ***important***If the applicant's, "usual signature" is "printed", it should be ACCEPTED onthe application.

13.307: Birth Date Verification

Any Driver license showing birth date is acceptable in lieu of a birthcertificate (bc). If the bc is unobtainable, certain other documents may beaccepted in lieu of the bc. The acceptability of other documents should "NOT BEDESCRIBED TO THE APPLICANT" until it is reasonably ascertained that their birthrecord is unobtainable.

The following ARE accepted forms of identification as listed in theDMV Employees Driver License Tech. Manual:<<< in order of preference.... their preference, of course! >>>

1>. Birth Certificate or any "certified Birth Record/Registration".2>. Driver License, from CA. or an ID card issued by the State of CA.3>. All other state Drivers licenses, Id cards, to include Military too4>. Any foreign governments D/L and/or ID. Must have DOB listed on it.5>. Passports, Visas, immigration/alien docs or reg. cards. w/ DOB.6>. Dept. of Corrections or Youth Authority docs, signed by PA/CS/CAS.7>. Driver Education driving permits & training certificates, w/ DOB's.8>. Out of State ID cards -NOT necessarily issued by the state's DMV.9>. US Census Records. Auth. by 13007.5 VC; ** contact Census Bureau **10>. School Cerification (form dl-48); used ONLY when all other forms of Proofof ID have been exausted; *contact any local school to get rcrds*. Thisis also an accepted form of ID for SSA (Social Security Administration).

** Note:Tax forms are not accepted with any degree of certainty by the DMV. It'salways best to use what they see "thousands of time a day", since these docsare usually less scrutinized.

If you have trouble getting the above docs, then just go to Nevada. In NVthey take almost every Type of ID known in the US. Included in what they willaccept are W-2 tax forms & 1099 gift-tax forms. Armed with one of these and abaptismal certificate you can get a NV ID/DL with no problem, and on the sameday as well. NV is one of the few states that accept Baptismal Certificates..... and Just'in Case you ddidn't know that, Bap. Certs. can be found at mostat most religious bookstores & supply stores, especially Catholic.

An added bonus is that they DO NOT fingerprint in NV. You also have theoption of having your ssn imprinted on the ID card, which is helpful for back-up ID. You just tell them your ssn and they'll include it. One bad thing isthat there is no Exp. date on their ID cards, however there Driver Lic's. dohave exp. date's and are worth the extra "drive" around the city to get. Thebest days to go are on Tuesdays or Wednesdays.***Now here are a few additional points of interest to note for the heck ofit, so here goes....

*= THE =***- APPLICATION -**

II.> Driver Information and the Application.

Quickly, there are 5 types of forms used by the DMV in processing such re-quests as DL, ID, Replacement (of either), Computer paper & the renewal appli-cation form (DL-1RN). BTW, according to this doc that I am sorta copying, itsays that the renewal process will and is being phased out with "the new systemnow being installed". *CA has seen perhaps the very first of this 'new' system.*

13.011Every applicant for an original, or renewal, driver license whose form DL-44indicates previous driving experience, but who does not indicate or produce aprevious license, should be asked whether he/she holds a regular license fromCalifornia or any other state or country. The reason for the inquiry (Sec-12511& 12518vc) should be "politely" explained. Instruction or learner's permit &"International Drivers Licenses" are not considered to be regular licenses. Ifan applicant over the age of 18 cannot produce a valid or recently (within oneyear) expired foreign license, a check by H-6 inquiry <?> to the automated sys.or Wats Line must be made prior to processing of the application.

+++H-6 inquiry to automated sys OR WATS line sounds like a hacking adventure!..Anyone with info on this possibility please fill us in at 800/755-3493 x-9657.

IV.> PART 5:\|/?[>*C*H*I*P*=>!/|\*P* - PHREAKING>

Intro:

950XXXX.LSTHere is a current list of operating L/D Co's, which provide access totelco. lines across our fine country (ha!)... Of course what makes it so fineis that with each of these L/D carriers, there is a code that is entered to beable to access the fine features of each of these fine L/D service providers.

So someday with nothing better to do, give 'em a try and try out differentaccess code numbers (randomly), and hopefully you'll be able to make FREE phonecalls in no time. Don't abuse it however, because they do tend to monitor anyhigh usage on these numbers.